Jefferson County
Missouri · FIPS 29099
According to CFPB HMDA 2024 application volume among U.S. counties, Jefferson County ranks #278 of 3,223, and #6 of 115 in Missouri.
Mortgage lending activity in Jefferson County, Missouri based on lender filings under the Home Mortgage Disclosure Act (HMDA). Data covers all applications received by HMDA-reporting institutions operating in this county during 2024. Why mortgages get denied walks the denial-reason codes that appear in books like this one.
Local mortgage market. Jefferson County, Missouri lenders denied 1,550 of the applications reported here, financing the rest at an average note rate of 7.12%, with applicants self-reporting average annual income of $37K. 239 distinct institutions reported mortgage activity in this county.
Borrower leverage and affordability signal. The loan-to-income ratio averages 5.2x, meaning typical borrowers took on mortgages of about 5.2 times their annual income. That ratio is a rough affordability signal: higher multiples imply tighter monthly budgets and greater exposure to rate or income shocks. See our methodology for how to read the denial rate against a local applicant pool. This page is informational data reporting, not financial, legal, or mortgage advice.
Lender concentration in Jefferson County
In Jefferson County, lead originator Guild Mortgage Company funded only 9.3% of 5,853 originated loans, below the county fleet's lower tercile (~10.9% top-1 share). The top three reporters together hold 18.7% of the book, so shopping across channels still meets many active filers.
Counties With Similar Application Volume
Nationwide counties nearest to Jefferson County's 10,874 HMDA applications.
Counties With a Similar Average Loan
Nationwide counties nearest to Jefferson County's $193,007 average loan (deduped against volume peers).
Lenders active in Jefferson County
Guild Mortgage Company funded 544 of the 5,853 loans originated in Jefferson County, 9.3% of the county. 239 lenders reported activity here.
| # | Lender | Originated | Market Share |
|---|---|---|---|
| 1 | Guild Mortgage Company | 544 | 9.3% |
| 2 | Rocket Mortgage | 281 | 4.8% |
| 3 | First Community Credit Union | 269 | 4.6% |
| 4 | United Wholesale Mortgage | 268 | 4.6% |
| 5 | Das Acquisition Company, LLC | 233 | 4.0% |
Every figure on PlainLender is rendered directly from CFPB HMDA federal source data, no number is typed in by an editor. For Jefferson County, from the FFIEC/CFPB HMDA Snapshot National Loan-Level Dataset (2024) -- county FIPS codes follow U.S. Census Bureau standards. Not financial advice for Jefferson County borrowers. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of 2026-08-10. HMDA figures are lender-filed application outcomes for a published reporting year - not creditworthiness scores, rate quotes, Loan Estimates, underwriting decisions, or mortgage advice.